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First Time Buyers Remortgages Moving home Buy To Let Equity Release

First Time Buyers

Helping you take your first step on the property ladder

Buying your first home... an incredibly exciting time. It’s a genuine, landmark moment in life. However, it can also feel like an overwhelming, complex journey into an unfamiliar world of finance, estate agents and solicitors.

At The Mortgage Hub, we will ensure your first home-buying adventure is as simple and stress-free as possible. We will be by your side every step of the way, from calculating what you can afford, until you pick up the keys.

In addition to mainstream residential mortgages, we are also very experienced in dealing with Help To Buy shared equity mortgages, Shared Ownership and Guarantor mortgages.

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Could you save money on your mortgage?

You could be paying more than you need to... keeping on top of your mortgage is incredibly important.

If your current rate is coming to an end, get in touch and we’ll make sure you don’t miss an opportunity to save money.

Switching product, or lender, is often a much more seamless, straightforward process than many realise. Millions of people are paying too much for their mortgage*, so it’s definitely worth speaking to us – you could save thousand of pounds a year!

Or, you may be looking to remortgage to free up some cash and make some improvements to your current home. Whatever your reason, we will help by evaluating your best options.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured against it.

*Virgin Money analysis based on stock residential mortgage data CACI database (April 2017) up to 3 million on Standard Variable Rate.

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Moving home

Let’s make the dream move happen

Found the home you’ve always dreamed of?

Great – so you’ve been through the mortgage process before, however, this time, you will have new elements to consider. What happens with your existing mortgage? Should you ‘port’ it to the new property, or would another lender offer you more suitable terms? What costs would be involved? Will you need additional borrowing?

We will fully assess all your needs and be able to advise whether it is more favourable to remain with your current lender, or explore alternative options in order to make your move happen.

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Buy To Let

Mortgage solutions tailored to your investment

We have all the expertise you need...

...whether you’re a first-time landlord, or building a portfolio.

The buy to let market has witnessed multiple changes over the last few years, so it now more important than ever to get expert advice before purchasing a new investment property, or re-mortgaging an existing property in your portfolio.

Eligibility for buy to let mortgage deals now undergo a more stringent ‘stress test’ and this can be determined by the monthly rental income, your personal tax rate, and the mortgage product itself. We know exactly how each lender will assess your specific situation, in order to recommend the right mortgage for your investment.

In addition to personal buy to let ownership, we also offer advice on limited company buy to let ownership.

Some forms of Buy To Let mortgages are not regulated by the Financial Conduct Authority.

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Equity Release

If you are over 55, and want to access the equity tied up in your property, then we can help. If you are ‘asset rich, cash poor’, then equity release can provide the solution to achieving your goals. Whether you want to make improvements to your home, help grandchildren on to the property ladder, or simply give yourself a more comfortable retirement, then we can explore all the options to see if Equity Release is right for you.

There are a broad range of options available – you can draw down cash in installments, you can choose to pay some interest monthly, or allow the interest to ‘roll up’ on to the principal mortgage.

We are proud to be members of the Equity Release Council, and we will offer personalised advice to ensure that you getting the right Equity Release plan to suit your circumstances.

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